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The UOB UnionPay Credit Card is one that is free of all the frills and dressing up that comes with most cards that offer cash rebates. This is a great card for those who are always on the move since it offers savings of up to 21.6% on fuel at SPC petrol stations island-wide. Other highlights of the card include:
Best suited to: Those who are looking for cash rebates on all their expenses with no minimum spend criteria for local and overseas spending.
|Annual fee||S$192.60 (annual fee is waived for the first 3 years)|
|Discounts on dining||Up to S$15 off at select eateries|
|Cash rebate on retail/shopping||2% for every S$1 spent|
|Discounts on petrol||Up to 21.6% off at SPC petrol stations|
|Cash rebate on all other retail spends at Airport Duty-Free Shops||Up to 10%|
|Complimentary travel insurance||N.A.|
Say, for instance, you spend S$1,500 for the current month. Since you earn a cash rebate of 2% for every S$1 on eligible transactions, the cash rebate you can earn per category will be:
|Spend categories||Monthly spend||Cash rebate||Cash rebate amount|
|Other retail spends||S$50||2%||S$1|
|Total||S$1,500||Cash rebate earned is S$30|
|Type of interest||Charge|
|Retail Purchases||25.9% p.a.|
|Cash Advance||28% p.a.|
|Instalment Payment Plan||0% p.a.|
|Type of charge||Charge|
|Overseas Transaction Fee||Administrative fee: 2.8% of the transaction amount|
|Late Payment Fee||S$90|
|Over Limit Fee||S$40|
|Cash Advance Fee||6% of the amount withdrawn, with a minimum of S$15|
|Supplementary Card Fee||Your first card is free. Every subsequent card has an annual fee of S$96.30|
The magnetic stripe of this card has to be activated for overseas retail transactions.
Activate the magnetic stripe by performing one of the following operations:
Note: Disable the magnetic stripe on your card on returning to Singapore for security reasons.
Before you narrow down your search and decide to apply for this card, make sure you qualify for it.
Your liability for unauthorised transactions made on your card will be limited to S$100 provided:
If proven otherwise, you may be held liable for all the unauthorised transactions made on your card. Legal proceedings may also be initiated by the bank.
Choosing the right credit card is time-consuming. You can find credit cards here and compare them as per your parameters. You can also apply for cards on BankBazaar once you’ve made your choice.
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How to Enable/Disable Auto Debit & Standing Instructions
The GIRO form available on the bank’s website can be used to link your bank account with credit card. This will enable you to pay your bills without missing due dates. Download and fill the form, and then send it to the bank using mail or fax. Disable these standing instructions by getting in touch with UOB.
How to Apply for the Card & Check the Application Status
Via online form/internet banking/SMS
To check the application status of your card, you will have to call the bank’s 24/7 hotline number.
How to Check Balance
UOB Mighty/Online Banking/Phone Banking
You can check your credit card balance through:
How Can the Bill Be Paid?
Phone banking/Internet banking/GIRO and others
Pay your credit card bill each month in any of the modes listed below:
How Much Is the Minimum Payment to Be Made on the Card?
3% of the current bill or S$50
The minimum payment that has to be made with this card is 3% of the current balance or S$50, whichever is greater and any unsettled amount from the previous billing cycle.
What Is the Grace Period?
Up to 21 days from the credit card statement date if the unsettled balance is paid in full.
Which Mobile Wallets Can This Be Used With?
UOB Mighty/Android Pay/Apple Pay/Samsung Pay/PayNow
The following mobile wallets can be used with this UOB card:
Can It Be Used With EZ-Link?
Yes, this card can be used with EZ-link. Just complete the online application form for the auto credit card top-up facility for EZ-link cards and send to/present it at the TransitLink office.
How to Block or Unblock the Card
Call the hotline
To block or unblock your UOB card, you can call the 24/7 toll-free number at 1800 222 2121.
How to Reset the PIN
Use the PIN reset form
You can reset your credit card PIN by completing the PIN reset form online and mail it to the bank or you can visit the bank and submit the form in person.
What Is the Billing Cycle and the Bill Due Date?
Can be found on the monthly statement
You will find the credit card bill due date and the billing cycle in the monthly statement. The billing cycle will be decided based on the number of working days in the billing period.
How to Get a Replacement Card
Fill the card replacement form
The process of getting a replacement card is similar to the process of resetting your card PIN. Just fill up the credit card replacement form online and mail it to the bank. You will get a replacement card to the mailing address.
How to Temporarily Increase the Limit of the Card
Call the bank’s hotline
You can raise your credit limit temporarily by calling the bank’s 24-hour hotline. However, the temporary raise will be valid only for weddings, hospitalisation, overseas travel and compassionate purposes.